Review Category : Technology

The Secret Your Cell Phone Carrier Does Not Want You To Know

These days we look to save on our bills where ever we can.  One area to look at is our Cell Phones.  What if I told you that you could save 50%-75% off your bill?  Three of the big carriers, AT&T, Sprint and T-Mobile all have invested in secret sub-brands to try and attract the consumers who are more price sensitive.  What they do not tell you is they use the same network as their parent company. Sprint has Boost Mobile.  T-Mobile has GoSmartMobile and AT&T has Cricket Wireless.  You use the same towers, get the same service and generally only pay $25-35 per month. So what about those of you on Verizon?  Well they will not tell you outright, but they have a deal with Tracfone.  Verizon does not want anyone knowing they have this sub-brand as they feel it will diminish the Verizon brand.  Tracfone has a service called Total Wireless, which runs on the Verizon 4G network ...

Read More →

10 Reasons Why You Can Cut the Cable Cord Now

Did you know that the average cable bundle has 189 channels but the average subscriber only watches 17 of them  (or less than 10%) according to a Nielson study in 2014?  Consumers would like to pay for only the channels they watch and free themselves from the shackles of the cable bundle by cutting the cable cord.  Let’s look at the top 10 reasons why consumers can cut the cable cord now! 70+ Channels of Free Over the Air Channels For those here in Atlanta there are over 70+ free channels available via an HD antenna including all of the major networks such as NBC, ABC, CBS, Fox, CW and PBS.   These are delivered in High Definition (HD) quality which is better than cable/satellite. 100+ Cable channels available through streaming apps Most people don’t want to give up some of their cable channels such as ESPN, CNN, Fox News, etc. Services such as Sling TV and Sony Playstation Vue with ...

Read More →

VIDEO: 5 Apps To Impress Your Friends

With the thousands of apps you can download from your Apple or Android phones, every year you will learn of an app or two that you never knew of before. You may wonder why in the world you really need to know about new apps when you don’t even use the ones you have on your phone now. Not only are these apps super cool and have real pragmatic uses, but this is a way for you to impress friends or business acquaintances with something they had no idea existed. Read Full Article at: https://shar.es/1xF04o ...

Read More →

How To Use Periscope In Your Business

If you have not been paying attention over the last year, a new app call Periscope (bought by Twitter in 2015) is gaining a lot of popularity.  This is a live streaming application.  Users can broadcast a live feed from their mobile device.  The company has not released its current number of users, but they have access to parent company Twitter’s 310 million users.  Their blog site states that over 200 million broadcasts have been streamed and over 110 years of live video are watched every day. So what can you do to integrate this technology into your business. Start by taking viewers behind the scenes of your business. People like to connect on a personal level.  Interacting with your customers and prospects to show them how your business works gives them a glimpse of who you are. Invite customers to have a live conversation. One of the features of Periscope is that viewers can leave real-time comments.  Hold a ...

Read More →

Five Apps You Need To Know To Impress Your Friends

With the thousands of apps you can download from your Apple or Android phones, every year you will learn of an app or two that you never knew of before.  You may wonder why in the world you really need to know about new apps when you don’t even use the ones you have on your phone now.  Not only are these apps super cool and have real pragmatic uses, but this is a way for you to impress friends or business acquaintances with something they had no idea existed. Best App To Share In A Sports Bar Or An Airline Club Lounge This app you need to know about in these scenarios is called Tunity.   Have you ever been watching five different TV’s in a sports bar and even though people are drinking and talking, you really want to hear what’s going on with your favorite game?   Or, have you been sitting in a club airline lounge and see ...

Read More →

Did Starbucks Charge You 28 Times?

For some of you, grabbing your daily Starbucks order is akin to brushing your teeth every day.   In my your smart money moves column, I will continue to profess that the next twenty years the cash flow management aspect of financial planning will become more important than asset management planning.   Ask soon about my revolutionary cash flow transformation system coming live by the beginning of 2017.  Since technology has taken over for the large part the way we pay bills, transfer money, and manage cash, you’ll see more and more companies asking you to store cash on loyalty cards. In a review recently performed by the Wall Street Journal a study revealed that more than 1.2 billion were loaded onto Starbucks cards and the mobile app in the first quarter of 2016.   The scary part is that this dollar figure amounts to more than some financial institution have in their possession.  For example, Discover Financial Services had $680million in deposits ...

Read More →

VIDEO: What Apps Will Make You Money?

Shopping is usually an activity that makes you spend money. In fact, with the ease of debit cards and credit cards today you can rack up big bills by simply turning your computer on to one of the major shopping websites. So, I thought going into the summer it might be interesting to see what apps you could download that might actually pay YOU money to shop. Read Full Article: http://www.yoursmartmoneymoves.com/five-apps-that-will-pay-you-to-shop/ ...

Read More →

Six Ways We Live Like The Jetson’s Did

Who could ever get this famous theme song to cartoon show The Jetson’s out of their head? http://bit.ly/1IBR6fN  Meet George Jetson . . . His boy Elroy . . . daughter Judy . . . . Jane his wife.   Do you remember watching this funny cartoon show as a kid and wondering in the year 2062 if any of this would actually become a reality?  We are only in the year 2015, and many of those childhood fantasies are now a reality of our day to day lives.   Here are six ways we are starting to live like the Jetson’s. Face Time- Remember when Jane Jetson would have those calls with her friends so they could see each other before they went out to the shopping mall?   Well, in today’s world we have Apple’s Face Time, Skype, Go to Meeting, and now Periscope.  You can pretty much see anybody, anywhere, anytime through the click of a button. Flying Saucers- Most ...

Read More →

Three Great Pieces Of Software For Divorced Couples

As more couples get divorced, the challenge of managing the aftermath become more and more difficult for families.   Who gets the kids on which holiday?  Is it your week or is it my week?   Calendar management is challenging as it is for families today, but the world of electronics may be making it easier for divorced couples who are managing children and their schedules.  Here are three pieces of software you may want to consider using after a divorce. Our Family Wizard– This piece of software is one of the most advanced child custody management tools for your family.   The joint custody calendar or divorce calendar can help to remove any confusion over parenting time responsibilities.  Having clear records and accurate documentation can help you to avoid misunderstandings and miscommunications that could otherwise lead to you back to court.  The OFW Calendar is also compatable with long-distance parenting, blended families, foster care families, and more. (source: our family wizard).  There is ...

Read More →

Use Social Media To Crack The Hidden Job Market

In just a few months, another year of college will come to a close and thousands of students are beginning to ponder about what kind of work they want to do for a summer job.   Just ‘googling’ the words “available internships” isn’t likely going to be enough in today’s competitive job market.  If you really want to get a jump on your competition, the social media you utilize every single day could be the key to cracking the hidden job market to secure yourself the summer job that you want both financially and professionally.  Here are three tips to get you moving in the right direction. Use The “Get Introduced” Tab Within Linked In–  I wrote an article for the Wall Street Journal that the best financial move you could make during college is to get to 1,000 LinkedIn connections. Since LinkedIn is more of a two degrees of separation application than a six degrees of separation application, simply asking ...

Read More →

I’m Going To Sell My Tech Firm For Millions. Now What?

It’s no secret that Atlanta’s technology start-up scene is booming.  I’ve had several young and very successful tech leaders ask me what they should do when they sell their company for millions – thus, this posting. I have to preface this blog by clearly stating I have never sold a company for millions.  However, in seeking feedback from numerous sources and speaking to different entrepreneurs, I’ve come up with this simple list to help you manage your new fortune the right way: Set Up Your Team – CPA, Attorney, Financial Planner and Most Importantly, Good Family Around You We’ve all heard the stories of people going broke after they hit it big and win the lottery.  Take the time before you ink the deal to get these important relationships in place with people you trust, as they are crucial for your future success.  And, it may be easier to identify the trustworthy partners before rather than after. Keep Your Circle of Friends Small ...

Read More →

Don’t Attempt To Time The Market

As 2014 enters into its final month for all major indices, this should be a good time of the year to reflect on the most important major lesson about investing. The lesson is to be certain that you have the appropriate time frame to take the risk associated with investing in a particular asset class. Time and time again, most average investors get caught up in trying to figure out the best time to exit the markets or enter the markets. This is challenging enough for the experts who are engulfed in this data every hour of every working day let alone going at it as an individual investor. Check out these predictions from January 2014 from over 30 of the major chief investment strategists from various leading firms http://cnnmon.ie/1CvoVBd. On average, the peer group had the S&P 500 growing 6% and the year to date return of the S & P is almost double that number. They also had ...

Read More →

Getting Investment Advice Online: Be Clear About Your Expectations

In order for individual investors to get the most out of their online relationship, they should avoid the colossal mistake most individuals make. The biggest mistake is simply not being clear about expectations. There are many really high quality online investment advisors and overall financial planning offerings on the internet. Some of the online investment advice companies will offer financial planning or other services in addition to money management. Some of them will offer you no customization whatsoever of your portfolio. While others, will allow for some degree of customization based upon your overall situation. However, if you aren’t really clear about what you want out of the relationship, you may become quickly disappointed in what the online provider is going to do for your portfolio. Just like any face to face relationship you would engage in for financial planning or investment advice, do your homework about the organization. Is it venture capital backed and possibly going to be sold ...

Read More →

Don’t Let 2008 Happen To You Again

Should you be concerned at all as Dow 17,000 approaches us and may have already happened by the time you read this article? Is hitting 17,000 going to be your friend to a more bullish market or will it be time for people to take their profits off the table and we will see a pullback?   Is it really just as easy as putting the portfolio car in cruise control and just let it ride down the highway?   Here are a few smart money moves lessons to learn so 2008 doesn’t happen to you again in the future. What’s Your Time Frame?  In 2008, there were many parents who had saved for goals such as their children’s education only to see the balance of the accounts get cut in half.  If your son or daughter has college tuition due in the fall, make sure the allocation of your assets matches your time frame. You Must Have A Risk Mitigation Plan- ...

Read More →

5 Amazing Technology Gifts For Mother’s Day

Mother’s Day is less than a week away and word on the street is that spending is up this year.    The National Retail Federation estimated that consumers will spend 20.7 billion dollars on Mom this year in 2014.  If you are counting that is an average of $168.94 per consumer which is an 11% increase from 2013. Moms work hard and they are entitled to a show of appreciation on their special day. Most consumers will acknowledge that appreciation with a greeting card (81.3%), though it appears her loved ones will also look for special gifts. Two-thirds (66.6%) of those celebrating will buy mom her favorite flowers, spending a total of $2.3 billion, and 33.5 percent will look for spring sweaters and blouses, spending a total of $1.7 billion on apparel and accessory items. Mom’s loved ones will also buy books and CDs ($480 million), housewares or gardening tools ($812 million), personal experience gifts like a day at the spa ...

Read More →

Four Affordable Watches For Men To Start Your Collection

There was a phase in my life where I got into watches for a year or two.   Today, I’ll only wear a watch once or twice a week since my phone pretty much tells me the time at the click of a button.   You’ll hear people bragging a lot at work or social events about their watches.   Rolex has always been the gold standard, but they will name drop watchmakers like Panerai, Bell & Ross, Tag, and Breitling all as ‘if you really want to impress watches.   Most of price tags on these watches are in the several thousand or more category, so can you start your watch collection for less than $1,000 bucks and still look like a million?  You betcha!  Here are four watches that I would take a look at for yourself or for someone as a gift to start out a really cool collection. Jack Spade Conway 38mm Watch–  I have always had an eye for ...

Read More →

Who Gets The I-Tunes Account When You Die?

Over the past decade, we have certainly seen a proliferation of what is coined today as ‘digital assets’.   When it comes to asset allocation we have all learned about stocks, bonds, cash, and real estate, but how about the acquisition of those assets involved with digital platforms?   The most recent articles on your smart money moves discussed the bitcoin, but you have a virtual cornucopia of digital assets including I-Tunes, Amazon, Paypal, EBay, and even assets such as the very blog you are reading.    How can you plan to make sure your heirs get the most of your digital assets as the average is north of $30,000 today? The first consideration is to ask yourself just what is your digital estate plan? As it stands today, most state laws don’t specify whether or not you need a digital executor.   Currently, there is legislation being worked on called The Uniform Fiduciary Access To Digital Assets Act to create some consistent rules ...

Read More →